Frequently Asked questions
WELCOME to EUROPE DEBIT™ - an Europe / Australian Debit gateway merchant provider.
WEBSITE REQUIREMENTS
What kind of businesses do you accept?
What credit cards will I be able to accept?
I am a new merchant. How can EUROPE DEBIT™ - Europe / Australian Debit Merchant Account Gateway Provider Services help me to start growing?
I already have a merchant account. Why should I consider changing my merchant account.
What if I have less than perfect credit?
Do you offer a merchant gateway?
Do I need a business license?
What is the discount rate?
What is the Address Verification System?
Will I receive a statement?
How will I get my money?
How do I apply?
How long does the approval process take?
Is there a service phone number that I can call if I need help?
Unacceptable Products and Businesses?
When I may expect wire transfer to my bank account?
When creating your website, please ensure the following information is available online and/or included with your original application in order to help your website for Visa and MasterCard approval. The policies and logos may be anywhere on your site, but should be easily found.
- > Proof of domain name registration or site ownership (or lease). A simple web page print of your domain name registration from one of these two sites should be fine.
- - http://www.networksolutions.com/cgi-bin/whois/whois
- - http://www.cira.ca/en/home.html
- - http://www.domaintools.com
- > The business trade name corresponds with web site name. Please include a screen print of the home page.
- > Attach a web page printout of a sample product page, and we confirm sufficient description of goods is provided (ex. voltage requirements, measurement scale, clothing size protocol, purchase restrictions, etc).
- > The order-processing page has at least a valid 128-bit web server SSL digital certificate installed. A web page print of the certificate details is attached. If you need to purchase an SSL certificate, we recommend: https://www.securepaynet.net/gdshop/ssl/ssl.asp?se=%2B&prog%5Fid=254330
- > Disclose and display the transaction currency (EUR, USD, etc.).
- > The delivery/shipping policy is disclosed (e.g., if restricted to USA or another country or any division or area within a country, delivery timeframe, cost)
- > The return/refund policies are disclosed. You must have a refund policy.
- > Customer service contact information is disclosed (ex. electronic mail address, telephone numbers – including country code, toll-free and non-toll-free numbers, facsimile numbers, mailing address).
- > The country in which the merchant is officially registered and located is displayed immediately prior to completion of a purchase transaction.
- > An appropriate Visa and MasterCard acceptance mark is displayed. Authorized logos may be found at www.visa.com and www.mastercard.com. If you wish, you may indicate “Coming Soon” if you are not yet approved.
- > The security policy is disclosed. (Guide: http://privacyguide.cebi.ca/default_e.asp)
- >
The privacy policy is disclosed. (http://www.oecd.org/document/39/0,2340,en
_2649_34255_28863271_1_1_1_1,00.html) - > In
case website offers goods related to medicine please
declare on the first page that offered medicines are not
controlled substances and are not included to FDA’s
Yellow, Green or Red lists:
http://www.incb.org/incb/index.html
http://www.deadiversion.usdoj.gov/schedules/alpha/alphabetical.htm
Useful Link for learning Pharmacy Law http://www.nabp.net/intro.asp
What kind of businesses do you accept?
We accept; Internet based, online High Risk, including online pharmacies, trade shows, mail order, telephone order, EU Incorporation, US Incorporation.
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What credit cards will I be able to accept?
Initially, you will be able to accept MasterCard, Visa and bank ATM debit cards. You will need to apply for American Express and Discover at the same time. We will assist you with the application process. There is no set up fee for American Express and Discover Card.I am a new merchant. How can EUROPE DEBIT™ - Europe / Australian Debit Merchant Account Gateway Provider Services help me to start growing?
Few businesses are able to prosper if they are not able to accept credit cards from their customers. If you are opening a new business we strongly suggest that you fill out an application so that we can discuss with you the many ways that we can help your business grow. We will provide you with the ability to accept credit cards, whether you are opening an on-line business or a physical store. We'll provide you with access to our customer service line that will help you save time and money for your business. EUROPE DEBIT™ - Europe / Australian Debit Merchant Account Gateway Provider Services is here to help you understand how fast, easy and profitable it can be to accept credit cards.
Be aware of some processors out there who are offering merchant services which may appear to be similar to that of EUROPE DEBIT™ - Europe / Australian Debit Merchant Account provider. They may charge you high application and discount fees, offer leasing with no cancellation terms, or sign you up for services that you just don't need. There are literally hundreds of web sites out there selling you unnecessary services.Go to the top
I already have a merchant account. Why should I consider changing my merchant account to EUROPE DEBIT™ - Europe / Australian Debit Merchant Account provider?
EUROPE DEBIT™ - Europe / Australian Debit Merchant Account Gateway Provider will be able to offer you the latest technological advances in credit card processing whether it is done via desk top computer or personal digital assistant. In addition, we will beat any merchant processing rate that you currently have.
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What if I have less than perfect credit?
Our approval rate is 95%, so even if you have bad credit you have an excellent chance of being approved anyway.Go to the top
Do you offer a merchant gateway?
Yes, our Payment Gateway is VeriSign 128 bit Secure. After successful authorization of an order, EUROPE DEBIT™ - Europe / Australian Debit Merchant Account Gateway Provider gives you total control of the options that you can choose for the transaction.The options available to you are:
• Pending
by default, the transaction is kept on 'Pending' mode, and remains so for twelve days, to enable you use any other option. If you fail to use any of the options, then the transaction is automatically deleted from the entire system.
• Shipped/Order Executed
If you select the 'Shipped/Order Executed' option, only then is the transaction is captured, your customer's credit card charged, and your account credited.
• Cancel
If, for some unforeseen reasons, you are unable to fulfill your customer's orders, you can utilize the 'Cancel' option and the entire transaction is cancelled.• Partial Execution
Also, if you are able to execute the order partially only, only your desired partial amount will be charged to your customer's credit card and the balance will be cancelled. No cancellation fee, with regards to the cancelled amount, will be charged to you.• EUROPE DEBIT™ - Europe / Australian Debit Merchant Account Gateway Provider Variable Amount Interface
Ideal for merchants with a web storefront, The EUROPE DEBIT™ - Europe / Australian Debit Merchant Account Gateway Provider Web Link uses a easy-to-use HTML form post interface for credit card and net banking transaction authorization.
• EUROPE DEBIT™ - Europe / Australian Debit Merchant Account Gateway Provider Shopping Cart Interface
For merchants without web developing resources, the EUROPE DEBIT™ - Europe / Australian Debit Merchant Account Gateway Provider Shopping cart allows the sub-merchant to integrate a shopping cart directly into their website in a matter of a couple of hours.Do I need a business license?
No, you do not necessarily need to have a business license or trade name registration, but you do need to have a business that has been duly incorporated according to local applicable law.What is the discount rate?
Every bank charges a discount rate. The discount rate is the percentage of each transaction that the processing company charges to handle the transaction for you, Our discount rates are exceptionally low for both retail (swiped) merchants and for mail order/telephone order and Internet merchants.Go to the top
What is the Address Verification System?
If you sell mail order/telephone order, or through the Internet, you don't want to send a product to a false address and have a risk of receiving a chargeback. The Address Verification System (AVS) lets you enter the customer's home address and compares it to the address on file with their credit card company. If someone uses a stolen card, and wants products shipped to a false address, AVS will detect this for you.Go to the top
Will I receive a statement?
Yes. You will receive a comprehensive merchant statement on a monthly basis. It will list all your bank deposits, credits, debits, and total sales volume. If you should have any questions about your statement we encourage you to call us on our toll free number at +61-3-9005-8110 and a customer service representative will be more then happy to discuss it with you.How will I get my money?
Your money will be deposited directly into your current business checking account. Funds are usually available within 2 business days (sometimes slightly longer if your business is considered high risk).Go to the top
How do I apply?
Just fill out the free, no obligation, online Merchant Account Application. We will contact you within 24 hours (not including weekends and holidays) to discuss it with you. After we discuss your preliminary application, if you wish to proceed we will send you a simple to fill out, application package. Once the application has been completed and returned to us we will let you know the ultimate results within 48 hoursGo to the top
How long does the approval process take?
Once we receive all the paperwork you will be notified of the outcome in 48 hours. If you are approved, and this is very likely, we will quickly begin the startup process to get you up and running as quickly as possible.Is there a service phone number that I can call if I need help?
Yes! You will have live, toll-free merchant assistance available to you between the hours of 9:00 AM and 5:30 PM GMT+1hour, Monday through Friday at +61-3-9005-8110 . After regular business hours we can still be reached by E-mail and will respond immediately to any urgent request for help.Unacceptable Products and Businesses:
Products - The Client understands and acknowledges that the following types of Products may not be offered for sale through the Service:
We accept almost all Europe / Australian Debit online/offline business. Please signup application to consideration.
EUROPE DEBIT™ Pay reserves the right to refuse to issue Proofs of Purchase and Purchase Orders for any Product for any reason. EUROPE DEBIT™ will not resell for clients utilizing free web hosting services. The client's site cannot be hosted for free, such as one through HyperMart, Geocities, Xoom, Freeyellow, etc.
Go to the topWhen I may expect wire transfer to my bank account?
The transfers are carried out, for credit period from the 1st to the 15th of the month, the 1st of the following month and from the 16th to the 31st of the month, the 15th of the following month. If the transfer day is a day off, the operation is deferred to the next business day. The merchant bank account is credited, in value day, up to operation day+1. This period time is 3-5 business days for bank accounts located out of Switzerland.
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